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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,132 | $209,425-94.7% | $178,499-93.8% | $158,966-93.0% |
| Participation rate | 42.9% | 86.4%-43.5pp | 81.9%-39.1pp | 82.0%-39.1pp |
| Annual return | 5.21% | 188.80%-183.6pp | 151.10%-145.9pp | 302.95%-297.7pp |
| Employer contribution / active EE | $1,318 | $5,707-76.9% | $5,011-73.7% | $4,762-72.3% |
| Participant deferral / active EE | $2,350 | $5,955-60.5% | $5,202-54.8% | $5,983-60.7% |
| Admin fee / account holder | $9,847 | $17,078-42.3% | $13,986-29.6% | $11,250-12.5% |